OpenSky Credit Card

There were a lot of issues for this card from customer service to payments credited. The customer service team is AWFUL! They talk to you like you are beneathe them, and try to make you feel stupid. As far as payments, I made a $50 payment on June 29th and a $50 payment on June 30th. My credit isnt even available until the 7th and 9th of this month. Then, when I tried to close my account they told me that it would take 10 business days for my security deposit to be credited, and another 3-4 weeks for my money to be sent back to me. The supervisor I talked to was a piece of work. Worst credit card experience EVER!

My credit score went from 600 to 411 after they hit me with an annual fee as soon as I activated the card, I wasn't actively using the card and was unaware of this fee which eventually turned into a 30 day late fee, then a 60 day late fee, then a 90 day, then a closed account, all of which was reported to a credit bureau which tanked my score over 180 points, all because of a $30 fee. Again I NEVER USED THE CARD ONCE DURING ALL OF THIS. Now I'm in a situation where I need to rent an apartment and my applications are getting automatically rejected due to poor credit score.

After repeated problems with delayed payment posting, poor customer service I closed my account and in a couple of months received my security deposit back. Months later they send me a refund check for $ 18 due to their bad math. Months after that they call me to say they mistakenly that they sent a second $ 18 check in error. They told me not to cash it and to send it back to them, I said I would but at that time I had never received a second check.

The second check never arrived so I forgot about it. Today I get an email saying my account s past due and to pay the balance immediately. I call customer service to explain that I never received a second check and to check their records to see that I have never cashed a second check. The customer service rep didn't budge and told me to pay the $37 now. So a 100 % late charge on a second check I didn't receive on an account that has been closed for a while now. I suspect the 1st check I did receive was in error and the second check was a lie to get me to pay back the original $ 18.

I will pay the $ 38 because they will ding my credit for this small amount. Very shady practices from this company and you should be wary of them.

DONT believe the hype they told me i could pay thru western union a week later they rejected the pymnt it took another week2 get my money back minus the w. U fees then i mailed a money order it took another 2 weeks b4 they credited my account then they put a block on my card after they cashed my m. O then told me i had2 send a letter from my bank and wasnt able to allow me to use my card nor close my account till i jumped thru hoops i had2 threaten2 call the news n bbb then they unblocked the card n i closed it DONT deal w open sky

Attempted to access a portion of my available cash and entered what I thought was my pin number. The pin number I entered was incorrect and my card was locked. I called Opensky and had to wait 25 minutes to reach a representative.

The representative told me my card was locked but he could unlock it if I answered the verification questions. I answered the verification questions and he then told me that everything was successful but for some reason he still could not unlock my card. He said that my card could not be unlocked because of too many attempts. He then told me I would have to wait until tomorrow for my card to be unlocked. (I'm writing this review as this situation happened 15 minutes ago)

I advised the representative that my card being locked until the next day was not an acceptable option for me. I requested to speak with someone else. He then told me he get his supervisor on the phone. I waited an additional 15 minutes, on hold, while waiting for the supervisor, and the call was disconnected. I am now on the phone waiting to speak with someone else. The customer service is of no help as of now.

Also, when you make your payment, Opensky processes the payment, however, they take up to five additional business days to make the credit available again.

I am not pleased with this card at all.

Very easy to use to rebuild your credit. Also I love the way it is so easy to set up payments and change them when needed. Will keep card after credit is where I want it to be!

I came to this country a year ago and had 0 line of credit. I put in a 300 dollar deposit to get a 300 dollar limit and paid off little things with it here and there and 6 months later I applied for a discover studen card and was approved for a thousand dollar limit.

I haven't had any issues so i havent need to contact customer service or anything but, its a great way to BUILD YOUR CREDIT.

I applied with this company April 28 or 29th got email May 1st our cards have been shipped out, They have no numbers on there website to call, I had to find out corporates phone number searching for it, when I call them supposedly they got the cards sent back to them because of an incorrect address and I have an email with proof that I had the correct address that's one lie already, than I asked them to refund my account and they refused I told them they are quick to take money out but not to return it, hate companies like this, now I have to wait 10 days of processing than another 3 to 4 weeks to get my check ridiculous I told them if I don't t get my money back ASAP I will file a police report. Haven't even got my card and sure hope they refund full amount because is not I will take legal action on this company you don't play with peoples money. Especially when you are referred smh never again.

I got email to apply for opensky credit card I pay 200 on November 2020, I receive a email to sent my identification and I ask them to get the money back opensky sent me a email on December 17 2020 they sent me the refund, on 23 December 2020 I call them they said my money already sent to my bank account sent that I being called them they tell me the same thing I need my money back

I opened asecure opensky credit card with a deposit of $1000 dollars, i closed my account and i made the last payment of $95.79 which they told me to pay. After that they told me my $1000 dollars were forfeited, i cannot get it back. NEVER APPLY FOR THIS CARD. WHEN YOU CLOSE YOUR ACCOUNT IN THE FUTURE, THEY WILL TELL YOU ANYTHING TO KEEP YOUR DEPOSIT, YOU WILL NEVER GET YOUR MONEY BACK

I cannot access any statements, I pay my balance every month, online says previous balance was 0. Online says I have charged about 170.00, but that my balance is now 396.00!

Received the card in fairly decent time however whenever I called the customer service was rude and acted like I was a second class citizen. I was merely trying to restore my credit standing after a financial loss. Once I received the card, I began m, aking a few small purchases. I have paid the balance each month. This month I had a family emergency. My father took ill with cancer and had to rush out of state. I paid the minimum due of $25.00 on a balance of 85.00. Well, this was a big mistake. The payment didnt post for days, which caused it to be late. I was charged $25.00 late fees on balance and an additional $25.00 which I did not authorize from my checking account. Now, errors happen, however when I notified my bank they confirmed It was debited twice! So now my $25.00 minimum payment became 75.00 plus interest and now my balance is 148.00
This is fraudulent. To make matters worse, I received a letter threatening me that I have exceeded my credit allowance., while traveling my card would not work, and now I owe half of what I had available.
It is terrible that large companies think they can get away with these acts.
I intend to follow thru with the consumer reporter in my state and give them the details. I have already contacted a agency who has advised me to report this to the authorities.
Hopefully before I have to take measures, the next call I make to the corporate officer who wrote the nasty letter to me, will review the case and see how unprofessional and scams they are performing.
I urge you to be cautious when dealing with this company.

https://www.opensky.com/megadealzzz/product/blue-fire-opal-water-drop-pendant-necklace?osky_campaign=user-order-item-shipped&utm_source=responsys&utm_medium=transactional&utm_campaign=user-order-item-shipped

The necklace came with the big stone cracked and soon the middle stone at the bottom fell out. I should have taken a picture, but I couldnt get rid of it fast enough. Now it is in a landfill. What a waste of money.

Like others here, I opened an account over 2021 in GOOD STANDING. Payments ALWAYS on-time, no balance, no carryovers. Suddenly 2022/23 aliens have kidnapped them holding for ransom, because I underwent a lay-off but STILL managed to pay on my account. The Nov. Payment didn't credit due to a glitch... and they began tacking on late fees and recurring interest, which was BS. Calls to their CS relayed excuses that they 'couldn't excuse' glitches and other issues. The fees were my responsibility including the outrageous $400+ balance (I've NEVER gone over $250) I am DONE with them, and contacting the BBB

The card was easy to get and pay for. You can use a debit card to OPEN the account and it's true you don't have to have a traditional bank account to be approved. HOWEVER, you DO have to have a traditional bank account to PAY your bill. It does not accept any debit card unless it's associated with a traditional account and does not accept payments from online banks such as Chime. Leaving many people with the only option of mailing in payments. They also take up to a week to post your payment so if your due date is say, the 11th, you need to mail out the payment by the first of the month to be sure to make the due date.
They also run a month behind in credit reporting.
On the upside they seem to have upgraded their customer service and I was able to get a live operator by pushing 0 at the end of the recorded message. I still don't know why the 800 number is associated with a debt collection company on Google but it is what it is.
Overall it's an ok service. Could be great if they accepted any kind of payment method but they don't. So if you get the card just be aware that the method you used to open the account may not be accepted when you pay your bill on the account. Which is why I will be closing it.

I opened this card to IMPROVE my credit. It did the exact opposite. I got billed before I got the card for the annual fee, then a rep told me to not pay my bill because I had a credit on my account. I didn't. Then I go to pay my bill and the system takes TWO PAYMENTS! So I call my bank and stop payment on those and Open Sky shuts my checking account down for information that THEIR REP TOLD ME! What kinda BS are they pulling? I'll take the credit hit and cancel this card immediately. So at FAR AWAY FROM THIS COMPANY!
I just kept thinking that this is a SECURED CARD, not a credit card. So we're talking about MY MONEY, not nothing that this company gave me, I sent the money in, out of MY POCKET! GTFOHWTBS!

Good Afternoon. I have been trying to contact someone in your corporate office and I have had absolutely no luck at all. I found out that I owed a small balance of $185. After contacting the credit dept. my call was sent to Carson Smithfield who informed me that they could not accept any other payments other than mail. I paid the $23.75 to have the payment over-nighted via USPS on Mon. 11/27. The payment was received. They told me on Thurs. 11/30 that my account was updated as of that day and that they will mail a letter out to me and that Opensky CC would update my (3) Credit Reports. I contacted OpenSky CC today 12/8/17 only to find out that the balance was actually $185.17 and that they have not closed my account because of the $0.17 left. I would have to get a supervisor approval to waive the $0.17 balance on the account before they report to the credit bureaus. They were also unable to tell me how long it would take to process the approval to waive the $0.17 balance and they were not able to tell me when the letter would go out once the supervisor waived the fee.

I have capital one credit card, i called them they put me on hold more than a hour, still not answering my call, i never been through a like that bad coustomer service, worse worse costomer service

In 5 seconds they took my $200 for secure, used it for 6 months was great for that. It boosted my credit score great in the 6 months problem is they are not like other secured cards where after 6 months your secure funds are returned and you get a credit boost on the card, you only have credit what you put on, BIGGEST PROBLEM NOW is they took 5 seconds to take my money and now OVER # MONTHS TO GET MY FUNDS RETURNED so not only they get your interest from the use of the card they get interest until they DECIDE to send you your funds back AFTER calling 12 times and COMPLAINING this card SUXS!

I opened the account to rebuild my credit, but that backfired. Had a zero balance on the card when I moved to a new home and had my mail forwarded. I received my Opensky bill a month later and was charged an annual fee without notification via email or text. I paid it in full, although the payment was late. The next month the bill came showing I still owed the annual fee plus the late charge. I only paid the late charge thinking the annual fee hadn't posted when the bill went out. The following month the payment due was $146! I called customer service which was a 20 minute wait, and once I got to explain everything, she proceeded to argue with me for 25 minutes. I repeatedly asked her to explain the charges and she spoke in circles claiming these were late fees. I told her there's been a mistake, I've already paid the annual fee, asked to have the fees waived which she argued about, so I told her if she agrees to settle on half of the amount and bring my balance to zero, I will pay it over the phone right now. She agreed, took my payment info, then after my payment cleared she told me I still owed the balance of $73. I was livid! I had some choice words for her since she deceived me. I told her I wouldn't pay the rest and hung up. Since this is a prepaid card and late fees would continue to accrue, I decided to pay the full amount so that I wouldn't have to deal with this unethical company or their poor customer service again. Read the reviews. Don't make the same mistake I made. Do not do business with this company!

Ive been on hold over 2 hours! I can not get a hold of anyone at this company. The online support never works! They answered at 2 hours and 37 minutes, I was transferred twice with an additional 30 minutes of hold time between those transfers. First time I was transferred to wrong department, second time, it was a guy saying it was an attempt to collect a debt. Funny how I can have a debt on a secured card that I haven't ever used bcz I never even received even tho they took my damn money! And now I need to pay them 103 dollars bcz they are reporting to my credit bureau that it was charged off for that amount. So much for HELPING my credit! As soon as he answered and gave his attempt to collect a debt speel, I said well, I would like you to collect my debt please and update my credit report and just as he was telling me he can take my payment but not do anything about my credit report the call was disconnected. After being on the phone for the better part of my day unable to make any other calls or do anything else since my phone was tied up, I am physically ill and I have to give up. This is the only thing at this point keeping me from home ownership. I am going to need to call an attorney. Do your selves a favor and read the reviews. Its a scam. Do NOT give them your money.

I lost my card and had my account freezed. Once i received the new card, I have activated, but it keeps declining each time i am trying to make a purchase and that's really embarrassing. So i call customer service and they activated my card then i mentioned to her that i am traveling and dont need anymore embarrassments. She puts me on hole and says sorry for the inconvenience but your card is frozen again and we need a copy of your ID and a decent utility bill. Well at this point I have had it and asked her to close my account, not possible without that information privided to us. So i asked for a supervisor, she comes back from a long hole ti tell me no one is available. This is really a joke, they didnt ask for this information when they were taking my money, but when i need it back they making it so hard. I would like to know if they are robbing people blind legally or this business practices are allowed by our goverment. As a consumer i dictate what happens to my money, not a company tell what should i do. I will not stop posting reviews all over the internet before someone thinks they can rebuild their credit score with this company. I wish i have seen this review before i gave up my hard earned money to those thieves. And i wonder if they even care about their customers.

I havnt even received my card yet, I was just calling to ask a few questions.
First question was where my card may be?
2nd question, the machine talking said I had an avaliable credit of $165 when I put $200.00 for ky line of credit deposit.

After I got done asking these simple 2 questions the lady on the phone just said oh God and HUNG THE DAMN PHONE UP! I WAITED 24 MINUTES ON HOLD for this!?!?!? Worst damn decision I have made this year soo far was to open a damn credit card account with this company!

If this is how they are before I have even received my credit card how the hell are they going to perform when I have my card?

I REALLY hope this was just a person having a bad day and it doesn't reflect the overall company... because I have been reading nothing but horrible reviews on this card today. Something I should have done before I opened the card I know..